Biometric authentication during voice data transfers

ABSTRACT

There are provided systems and methods for biometric authentication during voice data transfers. A user may initiate voice communications with a service provider endpoint that provides automated services to the user through the voice or audio communications, such as an interactive voice response (IVR) system where a user may navigate menus through audio commands. The user may by required to authenticate their identity during the phone call or other voice data transfer, which may be done by entering a biometric, such as a fingerprint. The biometric may be converted to biometric feature data and provided to one or more token service providers. The token service providers may provide one or more tokens for the biometric, which may be used as the authentication token. This token may then be transmitted to the IVR system through the user&#39;s endpoint using a dialer feature of the endpoint.

TECHNICAL FIELD

The present application generally relates to biometric authenticationduring voice data transfers and calls and more specifically toconverting a biometric input of received from an entity to anauthentication code or token that may be shared during a voice datatransfer to authenticate that entity.

BACKGROUND

Various types of service providers may provide services to entitiesusing voice communication systems, such as interactive voice response(IVR) systems. For example, a service provider may provide a call-inservice to users that allows the users to interact with the serviceprovider through a phone call or other voice data transfer medium, suchas voice over IP or LTE (VoIP or VoLTE) or other data transfer thatallows audio or audiovisual content to be transferred between two ormore endpoints. During use of a voice communication system with aservice provider's endpoint, the user may be required to authenticate anidentity of the user or secure account credentials. For example, a usermay have an online account with the service provider and store sensitiveinformation (e.g., personal and/or financial information) with theaccounts and platforms. If another user gains access to this account,then the user risks exposure of this sensitive information and may leadto theft and abuse of this information. Thus, the voice communicationsystem of the service provider may be required to identify andauthenticate the user during the voice data transfer. Previous systemsmay allow a user to use a phone keypad to enter a series of numbers thatare known only to the user. However, this is time consuming and includessimilar risks to passwords and personal identification number (PIN)authentication systems. For example, the authentication code may bestolen and used by others through brute force attacks, phishing schemes,and other malicious acts. Thus, the authentication systems may riskcompromising a user's identity, account, and/or sensitive information.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a block diagram of a networked system suitable forimplementing the processes described herein, according to an embodiment;

FIG. 2A is an exemplary system environment showing conversion of afingerprint to an authentication token used during a voice datatransfer, according to an embodiment;

FIG. 2B are exemplary conversions of fingerprints into differentauthentication tokens using multiple token service providers, accordingto an embodiment;

FIG. 3 is an exemplary system environment where a user device and twotoken service providers may interact to convert a fingerprint or otherbiometric into an authentication token for authentication during a voicedata transfer, according to an embodiment;

FIG. 4 is an exemplary flowchart for biometric authentication duringvoice data transfers, according to an embodiment; and

FIG. 5 is a block diagram of a computer system suitable for implementingone or more components in FIG. 1, according to an embodiment.

Embodiments of the present disclosure and their advantages are bestunderstood by referring to the detailed description that follows. Itshould be appreciated that like reference numerals are used to identifylike elements illustrated in one or more of the figures, whereinshowings therein are for purposes of illustrating embodiments of thepresent disclosure and not for purposes of limiting the same.

DETAILED DESCRIPTION

Provided are methods utilized for biometric authentication during voicedata transfers. Systems suitable for practicing methods of the presentdisclosure are also provided.

A service provider may provide biometric authentication processes with auser during voice data transfers with live or automated endpoints. Thismay be provided through an application and/or executable processes onthe user's endpoint or endpoint device (e.g., mobile smart phone orother computing device) that converts biometric input to anauthentication token. In this regard, the service provider may utilizeone or more disparate token service providers and databases that storethe authentication token or partial data of the authentication token,where the token data may be looked up and retrieved using feature dataor raw data of the biometric (e.g., data converted or translated fromthe biometric into data that can be stored and referenced in one or moredatabase tables). Once the token data is retrieved by the user'sendpoint from the token service provider during the voice data transferusing the biometric, the user's endpoint may feed the token to the otherendpoint during the transfer, such as an interactive voice response(IVR) system through a dialer module, application, or process. Theauthentication token may then be used to authenticate an identity of theuser and/or access an account, which may allow the user to performadditional processes based on a heightened trust or security with theservice provider from the authentication. This may allow the user toaccess sensitive information, perform processes including paymentprocesses and/or account maintenance (e.g., changing account informationincluding credentials for the account), and/or process other data thatmay require or be provided once a user is trusted and authenticated.

In order to provide these biometric authentication processes duringvoice data transfers, the user may first be required to establish anaccount with the service provider, token service provider(s), and/orother online platform, or otherwise store the user's biometric withtoken data in one or more databases of the token service provider(s).Thus, the service provider and/or token service provider may provide anaccount, account management, and/or additional services, includingelectronic transaction processing for online transactions with merchantsand service providers through digital accounts. During creation of theaccount, the user may be required to provide identification informationto establish the account, such as personal information for a user,business or merchant information for such an entity, or other types ofidentification information including a name, address, and/or otherinformation. The user may also be required to provide financialinformation, including payment card (e.g., credit/debit card)information, bank account information, gift card information, and/orbenefits/incentives, which may be used to provide funds to the accountand/or an instrument for transaction processing. The user may also berequired to select an account name and/or provide authenticationcredentials, such as a password, personal identification number (PIN),answers to security questions, and/or other authentication information.Such information may also include information to establish anauthentication token during IVR system use or other voicecommunications, such as an alphanumeric code used for authenticationduring the voice communications with an automated system. The user mayalso provide a biometric for association with the authentication token,which may include a fingerprint, voice pattern or speech, facial image,retinal scan or image, heart rate or rhythm, or other biometric input.The biometric input may be converted to raw biometric data, such asfeature data of the biometric (e.g., fingerprint lines, contours,points, or other data that may be extracted from a biometric). However,not all information may be necessary in all embodiments and/or theauthentication token may be generated by the service provider and/ortoken service providers without entry of a code by the user so that theauthentication token's data is not revealed to the user and/or otherparties or is randomly generated for the user. In some embodiments, onlythe biometric and biometric feature data may be stored, and theauthentication token may be randomly generated for each instance or forspecific time periods for authentication during voice communications.

The user's account may then be used by the user to perform onlineinteractions and activities. In some embodiments, this may includeelectronic transaction processing, messaging, social networking, contentaccess, etc. In various embodiments, a website may provide the onlineservices, and thus may be accessed by a web browser application throughthe account. The application (or website) may be associated with apayment provider, such as PayPal® or other online payment providerservice, which may provide payments and the other aforementionedtransaction processing services on behalf of users, merchants, and otherentities. In some embodiments, a dedicated application may also beutilized to access the account and perform online interactions. Theaccount may also be accessed through voice communications with a systemof the service provider, such as an IVR system. Thus, an account of afirst user may include sensitive information, including personalinformation, financial information, and/or authentication information,which requires authentication by a user to use, access, and/or maintainthe account during voice communications with a service provider system.

After account setup, the user may wish to establish or authorizebiometric authentication for the account and/or the identity of the userduring voice communications. The user may previously provide thebiometric used for authentication during account setup or whenauthorizing the biometric for voice communications. As previouslydiscussed, the biometric may correspond to a fingerprint, which may beconverted to fingerprint feature data. However, other biometrics, suchas eye/retinal scans, voice patterns, facial/body images, or other typesof biometrics, may also be converted. The service provider receiving thebiometric authentication may then generate an authentication tokenand/or interact with token service provider(s) to generate theauthentication token. For example, the service provider may causegeneration of an authentication token with one or more token serviceproviders. Where multiple token service providers are utilized, eachtoken service provider may generate partial data for the authenticationtoken, such as a portion of an alphanumeric code used for authenticationduring voice communications. In some embodiments, the service providermay include a token service provider that generates and stores theauthentication token or partial data for the token service provider.Once the data for the authentication token is generated, theauthentication token data may be stored by the token service provider(s)with the biometric and/or feature data for the biometric. Where multipletoken service providers are used to generate partial data for theauthentication token, each token service provider may store theirrespective partial data that the token service provider generated withthe biometric and/or biometric feature data.

The user's endpoint device, such as a mobile phone or other computingdevice, may implement an application, operating system process, and/orapplication add-on or plug in process to perform biometricauthentication during voice data transfers. The application and/orprocess may be utilized to request the user's biometric during a voicedata transfer with another data endpoint, such as an automated endpointdevice or server of one or more service providers that provides IVRservices to users through voice and/or audio commands. The user mayinitiate a call using the application and/or another voice communicationapplication on the user's device to the IVR system or other voicecommunication endpoint. For example, a publicly switched telephonenetwork (PSTN) may be used to make a voice call to an IVR system thataccepts voice or audio inputs (e.g., through a dialer module orcomponent of the device). During the voice or audio data transfer,authentication may be required, which may trigger the application orprocess on the user's endpoint to request biometric authentication fromthe user. For example, establishment of the voice/audio data transfermay immediately trigger an authentication request based on the endpointidentifier, detection of the IVR system, preference set by the user, orother data detected for establishment of the data transfer. Thus, theuser may be requested to enter the biometric at the beginning of thedata transfer or before any sensitive data or access is provided. Inother embodiments, during the data transfer a specific trigger may causethe application or process to request the biometric for the user forauthentication. For example, the user may enter a flow or select a menuoption that requires the user to authenticate their identity and/orprovides the user access to the account. The flow or menu option may beto access confidential information or perform a process that risks data,monetary value, or other sensitive items to the user and/or serviceprovider. The flow or menu option may include voice data or a sound thatactivates the biometric authentication request. In other embodiments,the flow or data may trigger an application with the service provider tointerface, over a network or the voice data transfer, with theapplication or process on the user's endpoint device to request thebiometric. Once the biometric authentication request is activated, therequest may be output to the user and a field or process may allow forentry of the biometric.

For example, the user may enter the biometric to a field on aninterface, camera, or a fingerprint scanner of the user's endpointdevice. A camera and/or microphone may also record or capture thebiometric. Once the biometric is captured by the user's device, thebiometric may be converted to feature or raw data that is used todetermine whether the biometric matches the stored biometric by the oneor more token service providers. For example, the user's device mayconvert the biometric to feature data of the biometric, which may thenbe sent to the token service provider(s) for analysis and determinationof the stored authentication token or partial data of the authenticationtoken by looking up the token data using the feature data. In someembodiments, the user's device may determine whether the biometricmatches a stored biometric on the user's device and authenticates theuser so that the authentication token may be received and/or determinedfrom the one or more token service providers. However, in otherembodiments, the token service providers may receive the biometric andperform the analysis to determine the biometric feature data andauthenticate the user.

Each token service provider may be accessed through an externalapplication programming interface (API) that may interact with theuser's endpoint device (e.g., by sending and receiving API calls fordata). Additionally, each token service provider includes a tokendatabase that stores the biometric data or feature data with theauthentication token or partial data of the authentication token. Thus,when the user's device performs an API call to the token serviceprovider to retrieve token data from the token service provider'sdatabase using the biometric data or biometric feature data, the tokenservice provider may respond with token data for the authenticationtoken (e.g., either the full authentication token or partial data of theauthentication token). For example, where one token service provider isutilized, the API call may be to the external API of the token serviceprovider, which may respond with the authentication token. If thebiometric feature data does not match any stored data, the biometric maybe considered unknown and the user may not be authenticated by the tokenservice provider(s) for retrieval of authentication token data orpartial data. The user may be required to reenter a biometric or theuser may be refused authentication during the voice data transfer withthe automated calling system.

However, where multiple token services providers are utilized, multipleAPI calls may be made to each token service providers' external API,which respond with partial data for the authentication token. Thereturned data may correspond to digits or alphanumeric strings that maybe entered to a phone through a dialer component or process. In otherembodiments, different data may be returned, which may be enteredthrough different device components. Thus, the same fingerprint or otherbiometric may be used to generate different tokens or other data. Thereturned token(s) may be dynamic such that they are flipped, cycled, orotherwise changes in certain time intervals, such as periodically orgenerate per request. For example, specific audiovisual content maybereturned that may allow for authentication through database matching orlookup tables, which may vary depending on the authentication session.Thus, each service provider may have a separate or coordinated processto generate and provide tokens based on the token request or dependingon the user/entity requiring the authentication.

The user's device then receives the partial data and executes an agreedupon algorithm with the service provider to perform a combination or“mashup” of the partial data in a specific manner that generates theauthentication token. The mashup algorithm or process to combine thedata may be known only to the application/process on the user's endpointdevice and the service provider/token service providers that providebiometric authentication. Thus, the authentication token and the partialdata may be determined through the algorithm and a reverse algorithmthat extracts the partial data for each token service provider from theauthentication token.

Once the authentication token is determined by the user's endpointdevice, the application or process on the user's device that performsauthentication during the voice data transfer may feed theauthentication token to the other endpoint through voice or audiocommunications. For example, the application or process may relay anaudio tone corresponding to the authentication token or may utilize atext-to-speech process to audibly communicate the token to the otherendpoint. The token may be transmitted using a dialer application orcomponent on the user's device, for example, by automatically enteringdigits from a phone dialer. In other embodiments, the token may betransmitted silently, for example, using inaudible tones or data (e.g.,binary bits) transmitted over the voice data transfer). The token mayalso be transmitted over another communication channel, such as anetwork, to the IVR system or service provider for authentication.

The IVR system and/or service provider may receive the authenticationtoken and determine if the authentication token matches the expectedvalue or data for the authentication token based on the data from theone or more token service provider(s). For example, where one tokenservice provider is used, the IVR system and/or service provider maycompare the authentication token received from the user's endpointdevice to the token from the token service provider and authenticate theuser if the data matches. In other embodiments where multiple tokenservice providers are used, the algorithm used to generate and combinethe partial token data from each token service provider by the user'sdevice may be used to split or extract the partial data from thereceived authentication token. Each token service provider may then becalled to compare the partial data with each token service provider andauthenticate the user. If the data matches, the user's device and usermay be authenticated during the voice data transfer. Thus, the user maybe “stepped-up” or allowed to perform further operations and accessfurther data during the voice data transfer.

In this manner, a voice communication system of a service provider orintegrated with a service provider may utilize biometric authenticationduring voice data transfers that normally only accept input of voicecommands or selection of digits using a dialer module. Biometricauthentication is generally preferable as biometrics are more difficultto simulate and/or misappropriate by malicious parties. Since biometricauthentication provides increased security during authentication, theservice provider may provide increased benefits and security toautomated voice communication systems through the use of biometricauthentication. This also allows computing devices and IVR systems toprovide biometric authentication without changing existinginfrastructure or components on the computing devices or the IVRsystems.

FIG. 1 is a block diagram of a networked system 100 suitable forimplementing the processes described herein, according to an embodiment.As shown, system 100 may comprise or implement a plurality of devices,servers, and/or software components that operate to perform variousmethodologies in accordance with the described embodiments. Exemplarydevices and servers may include device, stand-alone, andenterprise-class servers, operating an OS such as a MICROSOFT® OS, aUNIX® OS, a LINUX® OS, or other suitable device and/or server based OS.It can be appreciated that the devices and/or servers illustrated inFIG. 1 may be deployed in other ways and that the operations performedand/or the services provided by such devices and/or servers may becombined or separated for a given embodiment and may be performed by agreater number or fewer number of devices and/or servers. One or moredevices and/or servers may be operated and/or maintained by the same ordifferent entities.

System 100 includes a client device 110, an IVR system 130, an externaltoken provider 140, and an external token provider 150 in communicationover a network 160. Client device 110 may be utilized by a user toaccess the various features available for client device 110, which mayinclude processes and/or applications associated with IVR system 130 toestablish a voice data transfer, such as use of an IVR interface andsystem that allows automated operations with a service providerassociated with IVR system 130 (e.g., a merchant, payment provider, orother service platform). During use of IVR system 130, IVR system 130may request authentication, which may be granted through entry of abiometric to client device 110. Client device 110 may interact withexternal token providers 140 and 150 to receive authentication tokendata using the biometric, which may be fed to IVR system 130 during thevoice data transfer to authenticate the user.

Client device 110, IVR system 130, external token provider 140, andexternal token provider 150 may each include one or more processors,memories, and other appropriate components for executing instructionssuch as program code and/or data stored on one or more computer readablemediums to implement the various applications, data, and steps describedherein. For example, such instructions may be stored in one or morecomputer readable media such as memories or data storage devicesinternal and/or external to various components of system 100, and/oraccessible over network 160.

Client device 110 may be implemented as a communication device that mayutilize appropriate hardware and software configured for wired and/orwireless communication with second user device 130, IVR system 130,and/or account usage platform 160. For example, in one embodiment,client device 110 may be implemented as a personal computer (PC), asmart phone, laptop/tablet computer, wristwatch with appropriatecomputer hardware resources, eyeglasses with appropriate computerhardware (e.g. GOOGLE GLASS®), other type of wearable computing device,implantable communication devices, and/or other types of computingdevices capable of transmitting and/or receiving data, such as an IPAD®from APPLE®. Although only one communication device is shown, aplurality of communication devices may function similarly.

Client device 110 of FIG. 1 contains a voice data application 120, aauthentication application 112, other applications 114, a database 116,and a network interface component 118. Voice data application 120,authentication application 112, and other applications 114 maycorrespond to executable processes, procedures, and/or applications withassociated hardware. In other embodiments, client device 110 may includeadditional or different modules having specialized hardware and/orsoftware as required.

Voice data application 120 may correspond to one or more processes toexecute modules and associated devices of client device 110 to interactwith IVR system 130 to establish a voice data transfer and perform voiceand audio communications with another endpoint, as well as provide orfeed an authentication token over the voice communications or anothercommunication channel to the other endpoint. In this regard, voice dataapplication 120 may correspond to specialized hardware and/or softwareutilized by client device 110 to first establish a voice data transfer,such as a phone call to another endpoint. Voice data application 120 mayinclude or interface with a dialer process, component, and/orapplication to establish the voice data transfer, for example, byreceiving digit or identifier input of another endpoint, selection of acontact name and/or identifier, or otherwise providing informationnecessary to establish a data transfer with the other endpoint. Once thevoice data transfer is established, data may be transferred betweenclient device 110 and the other endpoint, such as IVR system 130.

Such data may include exchange of an authentication request and anauthentication token in response to the authentication request. Forexample, IVR system 130 may trigger a request for authentication duringthe voice data transfer, or voice data application 120 and/orauthentication application 112 may detect the voice data transfer anddetermine authentication is required. Voice data application 120 mayalso receive an authentication request from IVR system 130 during thevoice data transfer, such as voice, audio, or other data received overnetwork 160 during the voice data transfer. Once the authenticationrequest is received, authentication application 112 may be used toprocess a biometric, determine an authentication token, and process theauthentication request using the authentication token. In someembodiments, voice data application 112 may be used to feed theauthentication token to IVR system 130 during the voice data transfer,for example, by utilizing a dialer module, component, and/or process ofclient device 110 and/or voice data application 120 to input theauthentication token as an alphanumeric code during the voice datatransfer as tones, data, or other information that is transmitted to IVRsystem 130.

Voice data application 120 and/or authentication application 112 may beused to display account information for an account used by client device110 during the voice data transfer. Once authenticated and logged in tothe account, voice data application 120 may be used to perform actionsand/or interactions with IVR system 130 using the account, for example,by accessing account data, using the account for a process (e.g.,electronic transaction processing), and/or maintaining or changingaccount data. Voice data application 120 may correspond to a generalbrowser application configured to retrieve, present, and communicateinformation over the Internet (e.g., utilize resources on the World WideWeb) or a private network. For example, voice data application 120 mayprovide a web browser, which may send and receive information overnetwork 160, including retrieving website information, presenting thewebsite information to the user, and/or communicating information to thewebsite. However, in other embodiments, voice data application 120 mayinclude a dedicated application of client device 110 and/or IVR system130 or other entity (e.g., payment provider, etc.), which may beconfigured to provide voice communication services, such as telephonicservices.

Authentication application 112 may correspond to one or more processesto execute modules and associated devices of client device 110 toauthenticate a user during a voice data transfer using voice dataapplication 120 using a biometric and determine an authentication tokento authenticate the user to IVR system 130 based on the biometric. Inthis regard, voice data application 120 may correspond to specializedhardware and/or software utilized by client device 110 to firstdetermine that voice data application 120 requires authentication of auser of client device 110 during a voice data transfer with IVR system130. Once determined, authentication application 112 may populate anauthentication request and/or input request for a user biometric, suchas a fingerprint, voice sample, facial and/or body image, retinal scan,heart rhythm, or other user biometric. Authentication application 112may capture the biometric using a sensor of client device 110, such as atouch screen, scanner, fingerprint input device, camera, microphone,and/or other type of biometric sensor.

Authentication application 112 may then process the biometric todetermine an authentication token. External token provider 140 and/orexternal token provider 150 may be used to determine the authenticationtoken based on stored biometric data and/or biometric feature data, aswell as token databases and processes to provide digital tokens forauthentication. In some embodiments, authentication application 112 mayconvert the biometric to raw data, such as feature data of the biometricthat converts the biometric to processable data used to lookup ordetermine authentication token data using external token providers 140and 150. However, in other embodiments, the biometric may be sent toexternal token providers 140 and 150 for processing and determination ofauthentication token data. Authentication application 112 may receiveauthentication token data from external token providers 140 and 150based on the biometric feature data. In some embodiments, a single tokenmay be received from one or more of external token providers 140 and150, which may correspond to the authentication token. However, in otherembodiments, partial token data for the authentication token may bereceived from both of external token providers 140 and 150, which may becombined, mashed up, or otherwise processed using an algorithm todetermine the authentication token by authentication application 112.The authentication token may then be provided to voice data application120 to authenticate the user during the voice data transfer. This may bedone by hiding or obscuring authentication information so that thesensitive biometric and/or login information is not revealed on clientdevice 110 and/or to IVR system 130 and instead the authentication tokenis used to authenticate the user.

Although voice data application 120 and authentication application 112are shown as separate applications, in some embodiments, one or more ofthe functions of voice data application 120 and authenticationapplication 112 may be incorporated in the same application to providetheir respective functionalities in a common application.

In various embodiments, client device 110 includes other applications114 as may be desired in particular embodiments to provide features toclient device 110. For example, other applications 114 may includesecurity applications for implementing client-side security features,programmatic client applications for interfacing with appropriateapplication programming interfaces (APIs) over network 160, or othertypes of applications. Other applications 114 may also includeadditional communication applications, such as email, texting, voice,social networking, and IM applications that allow a user to send andreceive emails, calls, texts, and other notifications through network160. Other applications 114 may be utilized with authenticationapplication 112 to perform a login to an account Other applications 114may include device interfaces and other display modules that may receiveinput and/or output information. For example, other applications 114 maycontain software programs, executable by a processor, including agraphical user interface (GUI) configured to provide an interface to theuser.

Client device 110 may further include database 116 stored in atransitory and/or non-transitory memory of client device 110, which maystore various applications and data and be utilized during execution ofvarious modules of client device 110. Thus, database 116 may include,for example, identifiers (IDs) such as operating system registryentries, cookies associated with voice data application 120 and/or otherapplications 114, IDs associated with hardware of client device 110, orother appropriate IDs, such as IDs used for payment/user/deviceauthentication or identification. Database 116 may include data forvoice data transfers, such as communication endpoint identifiers anddata transmitted over network 160 or another communication channel.Client device 110 may also include authentication tokens forauthenticating a user during audio communications, which may includepartial token data from multiple token service providers and algorithmsor processes to generate an authentication token from partial tokendata.

Client device 110 includes at least one network interface component 118adapted to communicate with IVR system 130, external token provider 140,and/or external token provider 150. In various embodiments, networkinterface component 118 may include a DSL (e.g., Digital SubscriberLine) modem, a PSTN (Public Switched Telephone Network) modem, anEthernet device, a broadband device, a satellite device and/or variousother types of wired and/or wireless network communication devicesincluding microwave, radio frequency, infrared, Bluetooth, and nearfield communication devices.

IVR system 130 may be maintained, for example, by a service provider,which may provide audio communications to users through voice or audiodata transfers between two or more endpoints. In this regard, IVR system130 includes one or more processing applications which may be configuredto interact with client device 110, external token provider 140, and/orexternal token provider 150 to establish a voice or audio data transfer,which may be between client device 110 and an endpoint device or serverof IVR system 130. The data transfer may be used to interact with anautomated system, such as an IVR interface (e.g., audio interface) thatallows a user to interact with a service provider or other entityassociated with IVR system 130 using voice or audio data transfers. Theautomated system may provide access and/or use of accounts or sensitivedata, and therefore require authentication of a user. Authentication maybe performed using a biometric as discussed herein, where IVR system 130may interact with external token providers 140 and 150 to performauthentication by determining if a received authentication token duringthe voice data transfer matches token data generated or determined byexternal token providers 140 and 150 for the authentication requestduring the voice data transfer. In one example, IVR system 130 may beprovided by PAYPAL®, Inc. of San Jose, Calif., USA. However, in otherembodiments, IVR system 130 may be maintained by or include another typeof service provider, which may provide voice or audio connectionservices to a plurality of users.

External token providers 140 and 150 may be maintained, for example, byone or more token service providers, which may provide tokenizationprocesses and authentication through the use of tokens that identify auser, voice data transfer instance, and/or biometric. In this regard,external token providers 140 and 150 includes one or more processingapplications which may be configured to interact with client device 110and IVR system 130 to facilitate authentication of a user by providingauthentication token data, such as an authentication token or partialdata of the authentication token, in response to entry of a biometric toclient device 110 during a voice data transfer between client device 110and IVR system 130. In one example, external token providers 140 and 150may be provided by PAYPAL®, Inc. of San Jose, Calif., USA or otherservice providers that provide tokenization services. However, in otherembodiments, external token providers 140 and 150 may be maintained byor include another type of service provider, which may providetokenization and authentication services.

External token providers 140 and 150 of FIG. 1 contain respective tokenacquisition applications 142 and 152, other applications 144 and 154,databases 146 and 156, and network interface components 148 and 158.Token acquisition application 142/152 and other applications 144/154 maycorrespond to executable processes, procedures, and/or applications withassociated hardware. In other embodiments, External token providers 140and 150 may include additional or different modules having specializedhardware and/or software as required.

Token acquisition applications 142 and 152 may correspond to one or moreprocesses to execute modules and associated specialized hardware ofexternal token providers 140 and 150 that provides authenticationprocesses using data tokens during voice data transfers between two ormore endpoints, such as a voice, audio, and/or audiovisual data transferbetween client device 110 and IVR system 130. In this regard, tokenacquisition applications 142 and 152 may correspond to specializedhardware and/or software of external token providers 140 and 150 tofirst receive a biometric or biometric feature data from client device110 during the data transfer, which may be received in response to anauthentication request during the data transfer. In response to thereceived biometric data, token acquisition applications 142 and 152 maygenerate or determine a respective token (e.g., through token creationor a database lookup using a database table or reference tool todetermine a stored token). In some embodiments, only a single token maybe determined using one of token acquisition applications 142 and 152,which may be provided in response to the biometric to client device 110.However, in other embodiments, both token acquisition applications 142and 152 may respond with partial authentication token data to clientdevice 110, such as an individual data token used to generate anauthentication token for use during the voice data transfer. Clientdevice 110 may then provide the authentication token during the voicedata transfer. IVR system 130 may interact with token acquisitionapplications 142 and 152 to determine if the received authenticationtoken matches the data token(s) provided by token acquisitionapplications 142 and 152 to client device 110, for example, by matchingthe authentication token or partial authentication token data (e.g.,respective data tokens from token acquisition applications 142 and 152)and identifier for client device 110 to stored data token(s). If thedata tokens match, token acquisition applications 142 and 152 mayindicate that the user and/or client device 110 is authenticated andtherefore trustworthy, which may increase or step-up authentication ofthe user and/or client device 110.

In various embodiments, external token providers 140 and 150 includesother applications 144 and 154 as may be desired in particularembodiments to provide features to external token providers 140 and 150.For example, other applications 144 and 154 may include securityapplications for implementing server-side security features,programmatic client applications for interfacing with appropriateapplication programming interfaces (APIs) over network 160, or othertypes of applications. Other applications 144 and 154 may include serverinterface applications for an online server platform that output data toone or more devices, such as data tokens and/or partial token data usedfor authentication processes using authentication tokens. For example,other applications 144 and 154 may contain software programs, executableby a processor, including a graphical user interface (GUI) configured toprovide interface data for display on devices.

External token providers 140 and 150 may further include databases 146and 156 stored in a transitory and/or non-transitory memory of externaltoken providers 140 and 150, which may store various applications anddata and be utilized during execution of various modules of externaltoken providers 140 and 150. Databases 146 and 156 may include, forexample, identifiers such as operating system registry entries, cookiesassociated with token acquisition applications 142/152 and/or otherapplications 144/154, identifiers associated with hardware of externaltoken providers 140 and 150, or other appropriate identifiers, such asidentifiers used for payment/user/device authentication oridentification. In various embodiments, databases 146 and 156 mayinclude data tokens used for authentication purposes, which maycorrespond to data that may be used to authenticate a user when the datais received from IVR system 130 and matched to the stored data tokensfor a biometric, user, and/or voice data transfer instance. Databases146 and 156 may also include biometrics and/or biometric feature datathat is associated with stored data tokens used for authentication. Suchbiometrics and/or biometric feature data may be stored and/or referencedin database tables so that data tokens may be retrieved using a receivedbiometric or biometric feature data during an authentication process.

External token providers 140 and 150 include at least one networkinterface components 148 and 158 adapted to communicate with clientdevice 110 and/or IVR system 130 over network 160. In variousembodiments, network interface components 148 and 158 may comprise a DSL(e.g., Digital Subscriber Line) modem, a PSTN (Public Switched TelephoneNetwork) modem, an Ethernet device, a broadband device, a satellitedevice and/or various other types of wired and/or wireless networkcommunication devices including microwave, radio frequency (RF), andinfrared (IR) communication devices.

Network 160 may be implemented as a single network or a combination ofmultiple networks. For example, in various embodiments, network 160 mayinclude the Internet or one or more intranets, landline networks,wireless networks, and/or other appropriate types of networks. Thus,network 160 may correspond to small scale communication networks, suchas a private or local area network, or a larger scale network, such as awide area network or the Internet, accessible by the various componentsof system 100.

FIG. 2A is an exemplary system environment showing conversion of afingerprint to an authentication token used during a voice datatransfer, according to an embodiment. FIG. 2A includes IVR system 130,external token provider 140, and external token provider 150 discussedin reference to system 100 of FIG. 1.

In environment 200 a, a client device, such as client device 110 insystem 100, interacts with IVR system 130 using authenticationapplication 112 and voice data application 120 to perform biometricauthentication during a voice data transfer between the client deviceand IVR system 130. Authentication application 112 and voice dataapplication 120 are discussed in reference to system 100. For example, aphone call by the client device to IVR system 130 may be established byentering an identifier for IVR system 130 and requesting datacommunications with IVR system 130 over a communication channel. Onceestablished, IVR system 130 may require authentication of the user usingthe client device. The authentication may be required at the beginningof the phone call or during the phone call, such as at a point whennavigating menus or other IVR interfaces. This may be done by enteringor otherwise providing a biometric to the client device. For example,the user has a fingerprint 1000 scanned by the client device, which isprocessed by authentication application 112 and voice data application120 to authenticate the user to IVR system 130.

Authentication application 112 may request entry of fingerprint 1000through an interface, request output, and/or biometric input componentof the client device. Authentication application 112 may then processfingerprint 1000 using a biometric translator 1002, which may correspondto an executable process to determine authentication token 1006. In someembodiments, biometric translator 1002 may generate fingerprint featureor raw data for fingerprint 1000 based on lines, contours, and othershapes, points, or features within fingerprint 1000. The feature datamay then be used to retrieve partial data tokens from external tokenproviders 140 and 150 used to generate a combined token for anauthentication token 1006 by combining the data tokens or mashing up thetokens using an algorithm. However, in other embodiments, biometrictranslator 1002 may directly provide fingerprint 1000 to external tokenproviders 140 and 150, which may convert the data to feature data andthen determine the partial data tokens.

Thus, biometric translator 1002 may provide fingerprint 1000 or thefeature data of fingerprint 1000 to external APIs of external tokenproviders 140 and 150, which utilize respective token databases ofexternal token providers 140 and 150 to retrieve, generate, or determinethe partial data tokens. Biometric translator 1002 utilizes an externaltoken acquisition process 1004 a associated with external token provider140 and an external token acquisition process 1004 b associated withexternal token provider 150 to interface with the external APIs ofexternal token providers 140 and 150. External token providers 140 and150 may then respond to authentication application 112 with the partialdata tokens. For example, external token provider 140 provides back“9876” as the digits of a data token having partial data forauthentication token 1006 through the external API of token serviceprovider 140 interfacing with external token acquisition process 1004 a.Similarly, external token provider 150 responds with “1234” through theexternal API interfacing with external token acquisition process 1004 b.Authentication application 112 then generates authentication token 1006by combining or executing an algorithm to combine in a particularmanner, “9876” and “1234.” As such, authentication token 1006 maycorrespond to “12349876” as a full data token used for authentication,or another token may be calculated as required by authenticationapplication 112.

Authentication application 112 then interfaces with voice dataapplication 120 to provide authentication token 1006 to IVR system 130during the voice data communications. For example, authenticationapplication 112 may utilize a dialer feeder module 1003 to type, enter,or input “12349876” to a dialer module or component of voice dataapplication 120 through an application interface 1008. Dialer feedermodule 1003 may therefore cause authentication token 1006 to be dialedor relayed during the voice data transfer to IVR system 130 throughapplication interface 1008 between authentication application 112 andvoice data application 120. In other embodiments, another communicationchannel may be used to send authentication token 1006 to IVR system 130,such as a separate network channel. Voice data application 120 thereforeprovides or communicates authentication token 1006 to IVR system 130over data communications 1010. In order to then authenticate the user,IVR system interfaces with external token providers 140 and 150 toconfirm that authentication token 1006 is valid. For example, IVR system130 may check that “9876” was provided to or identifies the user withexternal token provider 140 and may also confirm if “1234” correspondsto the user with external token provider 150. If the data fromauthentication token is confirmed with external token providers 140 and150, the user may be authenticated, and the user may then be stepped-upor otherwise trusted for additional processes, data access, or actions.However, if not, the user may be refused authentication, requested to beauthenticated again or by other means, and the user may not have accessto the additional features until authenticated.

FIG. 2B are exemplary conversions of fingerprints into differentauthentication tokens using multiple token service providers, accordingto an embodiment. Environment 200 b shows how different fingerprints ofdifferent users may be translated to authentication tokens that aredifferent and thereby allow external token providers 140 and 150 toauthenticate multiple different users at a time to IVR systems.Environment 200 b includes external token providers 140 and 150discussed in reference to system 100 of FIG. 1.

A first user fingerprint 1100 may be fed to external token providers 140and 150 in order to produce a first user authentication token 1106.External token providers 140 and 150 may each provide separate partialdata for first user authentication token 1106. For example, externaltoken provider 150 may provide “1234” for a first user partial datatoken A 1102 and external token provider 140 may provide “9876” for afirst user partial data token B 1104. A process on a computing device,such as client device 110 may then convert first user partial data tokenA 1102 and first user partial data token B 1104 to first userauthentication token 1106 using a combination process or mashupalgorithm, for example, by generating “12349876” as the digits of theauthentication token. As noted, data from the partial data tokens, theycan be combined in any way and do not need to be appended in whole. Forexample, the data may be partitioned, interleaved, scrambled, mapped toa look-up table, etc.

In a similar fashion, another computing device may also receive input ofsecond user fingerprint 1200, which may be converted to feature or rawdata used with external token providers 140 and 150 to generate a seconduser authentication token 1206. External token providers 140 and 150 mayutilize the fingerprint feature data of second user fingerprint 1200 toreturn a second user partial data token A 1202 having “2345” as thedigits or data of the token and a second user partial data token B 1204having “8765” as the data of the token. The second user's computingdevice may generate second user authentication token 1206 having acombination of second user partial data token A 1202 and second userpartial data token B 1204, such as “23458765.” First user authenticationtoken 1106 and second user authentication token 1206 each uniquelyidentify the first user and the second user, respectively, and thereforemay be used to authenticate the first user and the second user duringvoice data transfers. First user authentication token 1106 and seconduser authentication token 1206 may therefore be fed to one or more IVRsystems through a dialer or other communication channel or module, whichmay authenticate the first user and the second user, respectively,through external token providers 140 and 150.

FIG. 3 is an exemplary system environment where a user device and twotoken service providers may interact to convert a fingerprint or otherbiometric into an authentication token for authentication during a voicedata transfer, according to an embodiment. FIG. 3 includes client device110, external token provider 140 and external token provider 150discussed in reference to system 100 of FIG. 1.

In environment 300, client device 110 executes one or more applicationsfor biometric authentication during voice or audio communications ordata transfers, for example, the applications and processes discussed inreference to client device 110 in system 100 of FIG. 1. In this regard,an IVR authentication process 2000 may be provided by the clientdevice's applications and processes, which is used to authenticate auser during a data transfer using a biometric. IVR authenticationprocess 2000 detects a voice data transfer 2002 with an IVR endpoint2004. During voice data transfer 2002, an authentication request 2006 isdetected or received, for example, at the start of voice data transfer2002 or during navigation of IVR interfaces. In order to respond toauthentication request 2006, an authentication token 2008 is required tobe provided during voice data transfer 2002.

In order to determine authentication token 2008, an authenticationprocess 2010 is performed by client device 110 with external tokenproviders 140 and 150. Authentication process 2010 receives afingerprint 2012 or other biometric during voice data transfer 2002,which may be sensed using an input component of client device 110. Inresponse to entry of fingerprint 2012, client device 110 interacts withexternal token providers 140 and 150 through data communication 2304 anddata communication 2306, respectively. For example, client device 110may interface with an external API of external token provider 140through data communication 2304 to request a token A 2014 correspondingto partial data of authentication token 2008. External token provider140 then performs token retrieval process 2012 to process fingerprintfeature data 2300 of fingerprint 2012. Token A 2014 is generated ordetermined through database reference tables, and token A 2014 isprovided to client device 110 using application identifier 2302 oranother identifier for client device 110. Token A 2014 is alsoassociated with application identifier 2302 to provide authenticationand identification services.

Similarly, client device 110 interfaces with an external API of externaltoken provider 150 through data communication 2306 to request a token B2016 corresponding to partial data of authentication token 2008.External token provider 150 executes a token retrieval process 2202 toprocess fingerprint feature data 2300 and generate or determine token B2016. Token B 2016 is also associated with application identifier 2302and sent to client device 110 using application identifier 2302 and/oranother identifier. Once token A 2014 and token B 2016 are received byclient device 110, a token combination 2018 is used to generateauthentication token 2008 from token A 2014 and token B 2016.

FIG. 4 is an exemplary flowchart for biometric authentication duringvoice data transfers, according to an embodiment. Note that one or moresteps, processes, and methods described herein of flowchart 400 may beomitted, performed in a different sequence, or combined as desired orappropriate.

At step 402 of flowchart 400, partial data tokens for an IVRauthentication token are established with multiple token providers. Auser, client device, and/or authentication application on the clientdevice may register with a service provider and/or multiple tokenservice providers that create an authentication token or partial datatokens used in a combination as the authentication token. Thus, themultiple token providers may generate data token(s) for the user.However, in other embodiments, the user and/or client device may merelybe registered with the multiple token providers, which may generate thepartial data tokens for the IVR authentication token periodically or atthe time of an authentication in order to reduce risk of compromise oftoken data and use fresh or changing token data to increase security andreduce malicious attacks. Once token data is established and/or the useris registered with the multiple token providers, a user fingerprint orother biometric is set for the partial data tokens, at step 404. In someembodiments where token data is variable and generated later, the userfingerprint or other biometric is instead stored for the user with anidentifier for the user, client device, and/or application on the clientdevice.

Partial data tokens and/or the user fingerprint (or other biometric) isthen stored in token databases for the multiple token providers, at step406. The token databases may include referential tables that allow fordetermination of partial data tokens using the token databases. Afterregistering with the multiple token providers, at step 408, anauthentication request is detected during use of an IVR system. Forexample, the authentication request may occur at the initial start ofcommunications between endpoint devices or based on a navigation oraction taken during the communications. The client device needingauthentication may therefore detect the authentication request, and inresponse to the authentication request, the client device requests theuser fingerprint from the user during use of the IVR system, at step410. This may be performed by outputting a request for a fingerprint orother biometric through an interface of the user device and/or using acomponent of the user device. Additionally, a sensor or other detectormay be activated to input or detect the biometric.

At step 412, a received fingerprint is matched to the user fingerprintpreviously set for data tokens at step 404. This may include convertinga received fingerprint to raw or feature data of the fingerprint so thatthe feature data may be compared to stored fingerprint features. If theuser's fingerprint does match, then at step 414 partial data tokens areretrieved from multiple token providers. This may include looking up orgenerating the partial data tokens based on the user fingerprint and/orauthentication request with the multiple token providers. For example,one or more external APIs of the token provider(s) may be interactedwith by the user's client device, which may refer to token generatorsand/or databases for the tokens. The IVR authentication token is thengenerated using the partial data tokens, at step 416. The IVRauthentication token may be generated by mashing up or combining thepartial data tokens in a manner known to the client device, IVR system,and/or multiple token providers. The IVR authentication token is thenprovided to the IVR system, at step 418, which occurs during use of theIVR system by the user's client device. Thus, the user may beauthenticated. However, if the fingerprint received at step 412 does notmatch any stored fingerprint data, then the user is refusedauthentication, at step 420.

As such, biometric authentication during voice data transfers mayprovide solutions to issues with user authentication and identificationthat normally occur with the use of dialer modules and components.Biometric authentication provides further security to userauthentication, which normally would not be capable of being processedover voice or sound data communications. Moreover, by utilizing multipleservice providers, issues and problems in database compromise of oneservice or token provider may further be alleviated. This allows devicesand voice communication systems (e.g., IVR systems) to be furtherassured of user identity and authentication when remote or disparatedata endpoints are involved in data transfers and sensitive dataprocessing.

FIG. 5 is a block diagram of a computer system suitable for implementingone or more components in FIG. 1, according to an embodiment. In variousembodiments, the communication device may comprise a personal computingdevice (e.g., smart phone, a computing tablet, a personal computer,laptop, a wearable computing device such as glasses or a watch,Bluetooth device, key FOB, badge, etc.) capable of communicating withthe network. The service provider may utilize a network computing device(e.g., a network server) capable of communicating with the network. Itshould be appreciated that each of the devices utilized by users andservice providers may be implemented as computer system 500 in a manneras follows.

Computer system 500 includes a bus 502 or other communication mechanismfor communicating information data, signals, and information betweenvarious components of computer system 500. Components include aninput/output (I/O) component 504 that processes a user action, such asselecting keys from a keypad/keyboard, selecting one or more buttons,image, or links, and/or moving one or more images, etc., and sends acorresponding signal to bus 502. I/O component 504 may also include anoutput component, such as a display 511 and a cursor control 513 (suchas a keyboard, keypad, mouse, etc.). An optional audio input/outputcomponent 505 may also be included to allow a user to use voice forinputting information by converting audio signals. Audio I/O component505 may allow the user to hear audio. A transceiver or network interface506 transmits and receives signals between computer system 500 and otherdevices, such as another communication device, service device, or aservice provider server via network 160. In one embodiment, thetransmission is wireless, although other transmission mediums andmethods may also be suitable. One or more processors 512, which can be amicro-controller, digital signal processor (DSP), or other processingcomponent, processes these various signals, such as for display oncomputer system 500 or transmission to other devices via a communicationlink 518. Processor(s) 512 may also control transmission of information,such as cookies or IP addresses, to other devices.

Components of computer system 500 also include a system memory component514 (e.g., RAM), a static storage component 516 (e.g., ROM), and/or adisk drive 517. Computer system 500 performs specific operations byprocessor(s) 512 and other components by executing one or more sequencesof instructions contained in system memory component 514. Logic may beencoded in a computer readable medium, which may refer to any mediumthat participates in providing instructions to processor(s) 512 forexecution. Such a medium may take many forms, including but not limitedto, non-volatile media, volatile media, and transmission media. Invarious embodiments, non-volatile media includes optical or magneticdisks, volatile media includes dynamic memory, such as system memorycomponent 514, and transmission media includes coaxial cables, copperwire, and fiber optics, including wires that comprise bus 502. In oneembodiment, the logic is encoded in non-transitory computer readablemedium. In one example, transmission media may take the form of acousticor light waves, such as those generated during radio wave, optical, andinfrared data communications.

Some common forms of computer readable media includes, for example,floppy disk, flexible disk, hard disk, magnetic tape, any other magneticmedium, CD-ROM, any other optical medium, punch cards, paper tape, anyother physical medium with patterns of holes, RAM, PROM, EEPROM,FLASH-EEPROM, any other memory chip or cartridge, or any other mediumfrom which a computer is adapted to read.

In various embodiments of the present disclosure, execution ofinstruction sequences to practice the present disclosure may beperformed by computer system 500. In various other embodiments of thepresent disclosure, a plurality of computer systems 500 coupled bycommunication link 518 to the network (e.g., such as a LAN, WLAN, PTSN,and/or various other wired or wireless networks, includingtelecommunications, mobile, and cellular phone networks) may performinstruction sequences to practice the present disclosure in coordinationwith one another.

Where applicable, various embodiments provided by the present disclosuremay be implemented using hardware, software, or combinations of hardwareand software. Also, where applicable, the various hardware componentsand/or software components set forth herein may be combined intocomposite components comprising software, hardware, and/or both withoutdeparting from the spirit of the present disclosure. Where applicable,the various hardware components and/or software components set forthherein may be separated into sub-components comprising software,hardware, or both without departing from the scope of the presentdisclosure. In addition, where applicable, it is contemplated thatsoftware components may be implemented as hardware components andvice-versa.

Software, in accordance with the present disclosure, such as programcode and/or data, may be stored on one or more computer readablemediums. It is also contemplated that software identified herein may beimplemented using one or more general purpose or specific purposecomputers and/or computer systems, networked and/or otherwise. Whereapplicable, the ordering of various steps described herein may bechanged, combined into composite steps, and/or separated into sub-stepsto provide features described herein.

The foregoing disclosure is not intended to limit the present disclosureto the precise forms or particular fields of use disclosed. As such, itis contemplated that various alternate embodiments and/or modificationsto the present disclosure, whether explicitly described or impliedherein, are possible in light of the disclosure. Having thus describedembodiments of the present disclosure, persons of ordinary skill in theart will recognize that changes may be made in form and detail withoutdeparting from the scope of the present disclosure. Thus, the presentdisclosure is limited only by the claims.

What is claimed is:
 1. A computing device system, comprising: anon-transitory memory storing instructions; and one or more hardwareprocessors coupled to the non-transitory memory and configured to readthe instructions from the non-transitory memory to cause the computingdevice system to perform operations comprising: receiving a biometricinput from a user during a voice data communication with a voicecommunication system; determining an authentication token with anexternal application programming interface (API) based on the biometricinput, wherein the external API is associated with a plurality of tokenacquisition databases storing a portion of the authentication token; andproviding the authentication token to the voice communication systemduring the voice data communication.
 2. The computing device system ofclaim 1, wherein the external API comprises a first external API and asecond external API, wherein the plurality of token acquisitiondatabases comprise a first token acquisition database associated withthe first external API and a second token acquisition databaseassociated with the second external API, wherein the biometric inputcomprises a fingerprint, and wherein the determining the authenticationtoken comprises: receiving a first partial token from the first tokenacquisition database through the first external API; and receiving asecond partial token from the second token acquisition database throughthe second external API, wherein the authentication token comprises acombination of the first partial token and the second partial token. 3.The computing device system of claim 2, wherein prior to determining theauthentication token, the operations further comprise: converting thefingerprint to biometric feature data using a resident application onthe computing device system; and in response to the converting,transmitting the biometric feature data to the first external API andthe second external API, wherein the first partial token and the secondpartial token are received based on the biometric feature data.
 4. Thecomputing device system of claim 2, wherein the operations furthercomprise: transmitting the fingerprint to the first external API and thesecond external API using a resident application on the computing devicesystem, wherein receiving the first partial token and receiving thesecond partial token are in response to the transmitting.
 5. Thecomputing device system of claim 1, wherein prior to receiving thebiometric input, the operations further comprise: determining that thebiometric input is required during the voice data communication using aresident application on the computing device system; and requesting thebiometric input from the user through the resident application.
 6. Thecomputing device system of claim 5, wherein determining that thebiometric input is required comprises one of: initiating the voice datacommunication; receiving an incoming request for the biometric input; ordetecting the incoming request for the authentication token during thevoice data communication.
 7. The computing device system of claim 1,wherein providing the authentication token during the voice datacommunication comprises outputting the authentication token through aphone number dialer to the voice communication system.
 8. The computingdevice system of claim 1, wherein prior to receiving the biometricinput, the operations further comprise: receiving, from the user, arequest to establish the authentication token with a service providerassociated with the external API; receiving the biometric input from theuser; and transmitting the request and the biometric input to theservice provider.
 9. The computing device system of claim 8, wherein theoperations further comprise: receiving a confirmation of a generation ora partial generation of the authentication token from the serviceprovider.
 10. The computing device system of claim 1, wherein theauthentication token is provided to the voice communication system usingone of an authentication application associated with the API, a voicedata communication application performing the voice data communication,or a third-party application integrated with the voice datacommunication application.
 11. The computing device system of claim 1,wherein the biometric input comprises one of a fingerprint, a faceimage, voice data, or retinal data.
 12. A method comprising: receiving,by a first service provider from a mobile device of a user, a tokenrequest associated with an authentication during a phone call with aninteractive voice response (IVR) endpoint, wherein the token requestcomprises data based on a fingerprint of the user; determining, by thefirst service provider, a first token with a token database of the firstservice provider based on the token request; and transmitting, by thefirst service provider, the first token to an authentication applicationon the mobile device during the phone call with the IVR endpoint. 13.The method of claim 12, wherein the first token is associated with asecond token stored by a second service provider, and wherein the firsttoken comprises partial data of an authentication token used for theauthentication during the phone call.
 14. The method of claim 13,wherein the authentication token comprises a data combination of thefirst token and the second token.
 15. The method of claim 13, whereinthe data for the token request comprises feature data converted from thefingerprint, and wherein the first token is determined based on thefeature data.
 16. The method of claim 13, wherein the data for the tokenrequest comprises data from the fingerprint, and wherein determining thefirst token comprises converting the data to feature data of thefingerprint and determining the first token using the feature data. 17.The method of claim 12, wherein the token request is received throughone of the authentication application or a voice data transferapplication on the mobile device.
 18. A non-transitory machine-readablemedium having stored thereon machine-readable instructions executable tocause a machine to perform operations comprising: receiving, by a firstservice provider, fingerprint data of a user from a computing device ofthe user; generating, by the first service provider, a first token basedon the fingerprint data, wherein the first token comprises first partialdata for an interactive voice response (IVR) authentication token;storing the first token in a token database of the first serviceprovider, wherein the first token is associated with the fingerprintdata in a token retrieval table in the token database; and providing thefirst token to at least the computing device during an IVRauthentication process.
 19. The non-transitory machine-readable mediumof claim 18, wherein the first token is associated with a second tokenwith a second token provider, and wherein the second token comprisessecond partial data for the IVR authentication token.
 20. Thenon-transitory machine-readable medium of claim 18, wherein theoperations further comprise: receiving the fingerprint data from thecomputing device during the IVR authentication process; and determiningthe first token based on the fingerprint data.